Slides

President/CEO

California Capital Financial Development

Deborah Lowe Muramoto is President/CEO of California Capital Financial Development. She is responsible for the direction and administration of products and services provided through the corporation’s small and microenterprise business capacity building and access to capital programs. Deborah leads the administration of California Capital’s Women’s Business Center, APEX Accelerator, Sacramento Valley Small Business Development Center, Economic Development Administration Revolving Loan Program, CDFI Direct Lending programs, State Small Business Loan Guarantee Program and Bilingual Business Success Forums that offer capacity building resources for limited and non-English proficient communities.

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With the support of the U.S. Department of Commerce Economic Development Agency, Deborah played a significant role in the development and delivery of capacity building and access to capital programs that focus on the specific needs of businesses located in the Sacramento Promise Zone. She currently serves on the Sacramento Chinese Community Service Center and Consumer Action Board of Directors; as well as the Steering Committee for the California Network of Women’s Business Centers, all of which have missions that support small business and economic development. Deborah has been recognized as a Small Business Advocate of the Year by the U.S. Small Business Administration; and was recently recognized by The Sacramento Business Journal as one of their 2021 Women Who Mean Business awardees.

Business and Cooperative Programs Director

USDA Rural Development

Dan Johnson is the Business and Cooperative Program Director for USDA Rural Development in California. 

 

He has been with USDA for 39 years, starting with the former Farmers Home Administration (FmHA) in 1984.  In 1996, the Agency’s farm loan portfolio merged with the Farm Service Agency (FSA) where Dan worked for 2 years.  He then joined the newly created Rural Economic and Community Development (RECD) Department which was later changed to “Rural Development (RD).” 

 

Dan was the Rural Development Manager in Bakersfield for 11 years, overseeing RD’s Housing, Business, Community Facility and Rural Utility programs for Kern, Ventura and Inyo Counties.  In 2007 he began specializing in Rural Development’s Community Facility programs, moving to Business Programs in 2011 and becoming the Program Director in April, 2020.      

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President/CEO

Valley Small Business Development Corporation

Debbie Raven is President/CEO of the Valley Small Business Development Corporation. She first started with Valley in 1990 to set up the agricultural lending program, and rose to CEO in 2008. 

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Debbie has forty-seven years of lending experience and is well versed in the needs of small business and agricultural finance. Under her direction, Valley has became one of the leading FSA guarantee lenders in the state. She has also developed and administered multiple disaster programs to assist farmers that were negatively impacted from frost, severe weather conditions, and drought.

 

Debbie is actively involved in her community, serving on many Boards and organizations, focusing on activities for youth. These include her roles as Secretary of Ag One – Fresno State, member of the SCORE Advisory Board, Chairman of the 2013 Common Threads Luncheon, and Community Club Dairy Leader of Elkhorn 4-H. Debbie is also a partner with her husband and son in a diversified farm operation and dairy in the Selma-Kingsburg area. 

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District Director

Sacramento District Office

U.S. Small Business Administration

A former banking executive with over 30 years of Banking and Finance experience. Luzzi oversees the delivery of SBA services in the Sacramento District’s 22 county Northern California region.

 

Luzzi re-joined the SBA in 2017 as the District Director. She is an experienced banker and leader who understands the challenges of small business owners who want to start and grow companies in Northern California. Luzzi was previously a Senior Vice President at a community bank where she ran the small business lending division until returning to the U.S. Small Business Administration. Luzzi is no stranger to small business, as her grandfather owned and operated a furniture store in San Francisco for over 40 years, both her parents were small business owners and the youngest of her three children started his own small business at the young age of 11. Luzzi is strong advocate for small businesses and the communities that her office serves.

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She has also held various other positions at SBA, such as- Loan Officer, Senior Analyst, District International Trade Officer, and Lender Relations Specialist. As the Small Business Administration’s Sacramento Director, Luzzi is a champion for the region’s entrepreneurs, expands access to SBA programs by under-served communities, increase utilization of SBA services across the district’s 22 North- Eastern Counties. She is responsible and manages all the products and programs for the SBA’s Sacramento Office and throughout Northern California.